There Is No Such Thing As Full Coverage

The Houston Auto Accidents Attorneys at DeSimone Law Office are continuing to get calls from clients who have accidents with uninsured drivers. Remember from our previous blogs that over 20 percent of the drivers on the roads in Texas are uninsured. In 99% of the instances when a negligent party has no insurance he also has no assets that can be recovered by suing him personally for a client’s personal injuries. The laws in the state of Texas protect debtors and their assets. A person’s homestead, not matter what the value, their automobile, a certain amount of furniture a well are protected from judgment. The negligent driver could also file for bankruptcy if they were sued. If you get a judgment against a negligent party, you can send it to the DPS and have their license suspended but this does not get you paid for property damages or personal injuries. The bottom line is that you need coverages beyond liability coverage to cover your car and person in case of an accident with an uninsured driver. If you go to an insurance agent and they offer full coverage, they could be offering you just collison coverage on your car or also uninsured motorist coverage. If it is just collison coverage, then your car will be covered no matter what but you will not be covered for your injuries. There is no such thing as full coverage, only parts of an auto insurance policy you can purchase. Collison coverage covers you car.PIP will pay medical and or lost wages. Uninsured motorist coverage will pay for your injuries and pain and suffering if you have an accident with an uninsured driver. This coverage is the most crucial and is left out of many policies touted as full coverage.

If you have been in and accident with an uninsured driver, call the attorneys at DeSimone Law Office. They will make sure you obtain the monies you deserve.